Jump to content


  • Tweets

  • Posts

    • The reason for the photos is to show you weren't displaying a permit.  They are supposed to check that the permit hadn't fallen off the dashboard. There is no point in appealing to PPM.  The very people who deliberately set up the site with rubbish signage to catch motorists out are highly unlikely to find against themselves. You've said several times that you think the company who you met with called PPM in so these are the people you need to contact in writing to request they call PPM off.  Until you do so we're going round in circles. If you don't want them to have your e-mail address simply set up a secondary e-address.  
    • Please see attached redacted judgment for further infoVWFS (UK) LTD - Salisbury CC - Judgment - 20240507 V Final _copy redacted.pdf
    • Make sure the WS is sent 14 days before the hearing. You can e-mail the court theirs.  In the subject line put the case number, the names of the parties and "Witness Statement".  Obviously click on "Return Receipt". Send Simple Simon his by 2nd class post - all VCS are worth - and get a free Certificate of Posting from the post office.
    • The outlet is in Camden Town and was set up in 2006, a year after my husband established the business, in addition to selling at exhibitions, online, shows, events, and having licensing agreements in some places overseas.  The only thing I have stopped doing since I got ill is the physical stuff, which I’m working on. The business has not changed name or anything like that either. I’m not sure where the original contract with Camden is but the management must still have it. My husband died in Jan 2017, and until Sept 2018, I would take the stock in every week; after that I was sending it in by post. I went in now and then when possible to re-do the display but that was about it. No one had access to any files until 2020. Moved house in 2020 thought would have to pull it all, Covid had just hit as well. The person in question said he would be interested in taking over and paying the rent etc. so I said I would let him sell the pictures for nothing as long as he would ‘keep it warm’ for me.  Obviously, everywhere was closed for lockdown. During this time I was working out how to go forward.  In May 2022 I told him I couldn’t  give anything away for free anymore, and put in place the wholesale agreement.  I’ve disregarded any discrepancies from before this date. I sent over the jpgs electronically, so I’ve still got them too. He hasn’t got any original files like .psds negatives or memory cards etc, I’ve got proof of all ownership/copyright. A co-op is whereby a small number of neighbours work on a rotational basis so they each of them can have time off, that way everyone doesn’t need to be there at the same time, he had never been an employee of mine.  The only reason I allowed him to have the files in the first place as I didn’t want to lose that side of the business.  It’s a good, constant source of income. However, the rent was becoming crippling as I believed there was something fishy going on well before this as there’s so much cash dealt with there, and I couldn’t go in regularly in person, and I’m sure sales weren’t being recorded properly and cash was being pocketed. My husband was too busy to be doing any stock control properly, he wasn't really into paperwork, and the guy who was ‘helping’ me after my husband's death, was making things very difficult for me to implement a solid stock control system by refusing to co-operate on simple things like using email etc. which I thought was a smokescreen, so I severed ties with him just before I made the agreement in question. I sent about 100 images, jpg files, sent via We Transfer. I’ve got the confirmation of which files were sent with dates. I will have to go through closed bank accounts and previous tax returns to get a proper estimate.   Before I made this agreement, I was selling retail there, this is a wholesale agreement so I’ll have to do some calculations but it is definitely in the thousands.  I haven’t got his his home address, and I don't think he's got any sizeable assets. I’m also worried that he might send the files overseas and start selling them there. I know he’s not stupid enough to sell them online. He knows for sure how serious this is, but he’s been chancing it and thinks I’m stupid, if not soft and stupid. I don’t know if this would work but I am thinking that when he does contact me, I tell him we need to talk, tell him I know what he’s been up to, and strongly urge him not to order any more prints from wherever he is having them printed because it will make things much worse for him if he does. Then when I do tell him about the gravity of the situation, maybe a few days later, I think it will scare him into complying because the consequences definitely trump the few quid he thinks he is saving by getting his own printing done. Tell him an amount that I want back for lost revenue, and make it clear that if he doesn’t destroy the files and if I find out he is still doing it at any point down the line, I will seek prosecution for copyright infringement and fraud, which I will. I don’t know how I can enforce any of this without involving the courts though. I will be able to tell, though, and he will know this. And the only reason I am doing this now rather than before, is that I couldn’t prove anything until now.  It was screamingly obvious from the beginning though, as he wasn’t ordering enough from me to pay the rent, let alone make a profit. If I decided to come down like him lie a ton of bricks straight away, how would I go about a cease and desist, would I have to get one from the court? And what do I do about the stock he currently holds? It has also occurred to me that he might file for bankruptcy or similar if things get heavy, where would that leave me? I could put the feelers out for a brand-new person to take it on, obviously without giving them access to files, that is an option. But that comes with its own set of issues. Also, would there be any implications for me, if I kept quiet for now? Let him order again from me as if nothing has happened, as it will be any day and I want to get all my ducks in a row first ideally….   Thanks again
    • I’ve also just realised their online website they’ve got 12 photographs of my vehicle, including close ups of the inside?? Not sure why that’s relevant.  The time stamp on the first photo is 13:57, the PCN incident time is 14:12. 
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

SAR request stayed citing OFT case?


larneylarnes
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5546 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

I have three claims in court at the moment regarding subject access requests, two for me and one for my parents. One of mine is progressing although the bank are dragging its heels (surprise) but the other two have been stayed by the judge citing the OFT case.

 

I have tried to get one of the stays lifted but my application was dismissed. The gentleman i spoke to at the court said unofficially this may be because the judge is not getting the time to read the documents in enough detail to distinguish that this isn't connected with bank charges. I didn't ask for hearing, which in hindsight was a mistake - but any ideas? I thought the SAR route was a straight forward one - am I wrong?

Thanks v much

Larnes

Link to post
Share on other sites

What are the terms of the order? Does it state that they you have the right to appeal it since it was heared ex parte? (sometimes they do).

 

Otherwise, just send a new application, as dpick says.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

Hi all, thanks for replies.

 

The order says the application was dismissed and that:

 

'"any person who was not served with a copy of the application notice before the making of this order may apply to have the order set aside or varied. The application must be made within 7 days after the date of on which the order was served on the person making the application".

 

It is dated 17/10/07 but the date at the top of the form is 20/10/07 although I know it was at least a couple of days after this that I received it because by its own admission the courts are snowed under at the moment.

 

I think the only course is to send a new application, ask for a hearing and pay another fee! Am a right in thinking that I am entitled to this info, so although I am having to go round the houses to get it, I will eventually? It's just that it's proving to be rather expensive!!

Link to post
Share on other sites

  • 1 year later...

AAAAAArrrrrrrgh!

 

I finally got an order from the Judge for HSBC to comply with my SAR request, originally filed in June 2007!!

 

They had until 19/11 to comply. Today I received a letter from DG saying that in order for them to comply they have had to re-process the SAR. Because this involves a lot of documents they want me to advise when I will be in so I can sign for the delivery. I do not want duplicates of everything they have actually managed to send me and have written asking them to confirm they will only be sending stuff that relates to the order and that HSBC have, finally complied. I know for a fact that one of the loan agreements is missing, because I have it in writing that it was 'lost in transit', although they are of the opinion that they have enough info to prove that I am responsible for the debt, blah, blah.......

 

Ok, feel better now I've got off my chest. But honestly, what is the point of going to Court if they just completely ignore it? What is a girl to do to get her information!!

 

Hope everyone else is having better luck than me. :D

 

effect

Link to post
Share on other sites

Hi Bincrunched,

 

Apologies to larneylarnes for the hijack, but yes, if you have to go to court to enforce the S.A.R - (Subject Access Request) you can ask the court for damages and costs.

 

If you need any further help or advice then it would be best starting a new thread :-

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

as you'll get advice that is specific to your query \ problem and you'll be able to find your answers far easier.

 

Link to post
Share on other sites

I got costs, but this only amounted to loss of wages for attending court on the day plus travel, the judge said I wasn't entitled to damages??

 

I had incurred about £500 of costs in postage, letter writing and also claimed loss of wages for two days when info that was supposed to arrive by courier didn't turn up until the following day.

 

I just want my info or confirmation that it's not coming so that I can take a view on how to proceed with missing loan agreements, PPI claims etc. But it seems that this is going to continue to drag on.

:(

Link to post
Share on other sites

Hi All

 

Can someone give me the wording to go to court as crapquest have not complied with my cca request and i am going to be proactive in chasing them for compo and removal of entry on my cra file , i think we should all be getting more proactive now with this great forum.

 

There is no point in sending letters to capquest for cca and S.A.R - (Subject Access Request) as they ignore most of them, so get them requested through the courts, also capquest will think twice in my humble opinion about going after a debt which they cant prove at court as they cant produce a cca or S.A.R - (Subject Access Request) or notice of assignment etc.

 

So why let capquest be in control of your actions, be proactive and write to the dca throgh the courts, any advice and tips from anyone who has experience of taking them on to prodce cca and sars via the courts after the time limits for cca and sars have lapsed would be appreciated.

 

Get a result against crapquest fast and dont let them bully you, ask for the cca and sar through the courts so that it is recorded through the courts and the judge will be likely to find in your favor especially when crapquest dont turn up.

Edited by scampy
Link to post
Share on other sites

  • 4 months later...

Today I lost faith in the whole court system.

 

I was back in court. It transpired that the schedule to the court order of 22.10.08 listing the specific documents I was waiting for in order for compliance of the original SAR of June 2007 was not passed on by HSBC's representative on the day, hence why I was getting random letters from HSBC telling me they had reprocessed the original request.

 

They still hadn't fully complied by today and in court the Judge gave them ANOTHER 21 days to fully comply. Outside the court HSBC's representative told me that was pointless because HSBC will not be able to comply with the order and that the bank were confident that even without loan agreements it would be able to prove that they debt was enforceable and continue to register a default.

 

Long story short, I have two loan agreements in default totalling £19000, a current joint account defaulted for £300 all comprising of charges and my ex-partner's account defaulted for £48 all comprising of charges.

 

After 21 days if HSBC haven't complied, I can apply for costs and damages. I can't remember the exact wording of the order, but will post more when I get a copy.

 

I truly don't know where I go from here. I have spent the day on CAG trying to find some case law that backs up the no agreement, no enforceable debt, but I can't find any and if I continue to take this forward I am at risk of incurring massive costs to HSBC..

 

Any advice on my next step?

Link to post
Share on other sites

Thanks for the link to the case law, 42man, I will take a look.

 

My post on this thread is in relation to this thread, if you see what I mean, the claim was stayed at one point, which I got lifted, and it has been going on a very long time. Also your link to my collective threads doesn't work.

 

Thanks

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...